It may be hard, but at times necessary, to file for insolvency. It is best to go into this sort of thing when you know what going on and just how to go about doing it. Keep reading for advice that could let you get through this trying time.
Two to three months following your bankruptcy hearing, get a copy of your credit score from the leading reporting agencies. You will want to see that everything on the report closed out and says that the debts are discharged. Challenge disparities as soon as possible so as to repair your credit.
Select a bankruptcy lawyer sensibly and learn how do you file for bankruptcy. Interview your prospective lawyer regarding education and expertise. The attorney you choose will have to be experienced and licensed. Internet research is a great instrument for investigating an expected attorney. You may also find information from clients that have dealt with them.
This is one of the significant issues that folks with several debts from different lenders expertise. Bear in mind that details are significant. Thus, if you’re having problems tracking your debts, more notably the schedule of payments, then you’re in huge trouble. You might need to talk to your Atlanta personal bankruptcy lawyer for advice to prevent the situation from getting worse.
Budget. In case you are in debt cease using your charge cards and pay for everything with cash. If you do not have enough money to pay for necessary expenses for example food, clothing, shelter, healthcare create a budget for yourself to determine your total monthly income as well as your total monthly expenses. Reevaluate your spending habits, reduce your expenses and various strategies or cancel them (cable, phone, mobile phone, net, etc.). Shop at discount stores, factory outlets, use coupons, carpool, etc. to locate additional money, which can be used to pay down debt.
If you find yourself arguing with issues that concern cash, then you definitely need help. Your Atlanta personal bankruptcy lawyer can provide you with guidance on how you can you efficiently handle your finances.
So is there any debt program that does provide this flexibility? Yes. It’s called debt settlement, or debt negotiation. It’s certainly not for everyone. Debt settlement is an alternative to bankruptcy. It’s not for people who can pay their bills in full without hardship. But it can be a real blessing for those seeking relief from a crushing debt burden.
Federal law requires the following disclosure: We are a debt relief agency helping people file for relief through bankruptcy under the bankruptcy code.
Bankruptcy and debt settlement are two alternatives for those people with massive debt. There is always a long debate as to which option to choose. Bankruptcy has traditionally been used to bail out those in debt. However with the passing years the bankruptcy rules have undergone a change. Bankruptcy provides two kinds of protection. The first one is for your current assets. The second one is to protect your future earnings.
One of the worst outcomes to a medical bankruptcy is that people will stop taking care of themselves. Some people will skip their regular doctor visits or avoid buying prescription medications that they need because they don’t want to go further into medical debt. This is dangerous. Don’t avoid taking care of yourself just because you’re worried about the cost.
New bankruptcy laws now require you to seek credit counseling when you file for Florida Bankruptcy. Your case will be thrown out by a judge immediately if you do not complete this mandatory counseling. There are a number of ways to fulfill this requirement. Classes must be approved through a bankruptcy trustee, and you can find a good course in your area through the Justice Department. Make sure you complete the entire class; you’ll need to file a certificate of completion with the rest of your paperwork.
In order to find out what kind of insolvency does one qualify for, it is necessary to take the bankruptcy means test. The results of this test helps the court in deciding which chapter should the debtors file on so as not to misuse the law for their selfish benefits. Therefore, this test is a great measure and it facilitates fair treatment for both the parties, i.e. creditors and debtors. The test will inform the debtor whether he/she can afford to pay off his/her bills or not. If not, then the debtor qualifies for declaring bankruptcy under Chapter Seven.
Bankruptcies can be complicated legal matters and while it might be tempting to do it yourself, there are a number of benefits to having a qualified bankruptcy lawyer help you. Whether you are filing Chapter 7, Chapter 13 or you’re not even sure that bankruptcy is necessary for you right now, talk to an attorney who specializes in this area of the law. If you’re not sure how to find a good attorney, consider a few key points.
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We’re optimistic. And we celebrate everything—if we are sick, we say, ‘I celebrate because I’m ill.’ We had a trinity here: the provincial government, the old coal mines, and the church. We like to work—and never have strikes. Minority groups here have caused no trouble.”
East of Arnhem on the German border, farmers plow black earth, whitened in spring by foraging sea gulls. Pig raisers may think in terms of exporting whole farms—livestock, machinery, and even, temporarily, staff—to developing countries. “But at the prague apartments they are conservative,” notes a village physician. “On the German side of the frontier, villagers keep their curtains drawn at night. Not the Dutch. We have nothing to hide—or else we want to see outside.”
A varied people, innovative, traditional.”What charm is for Italians, and allure for the French, tolerance is for the Dutch.” So says art historian Luca Dosi Delfini, a resident of the Netherlands for 20 years, an Italian by birth and a former resident of France. “The Dutch,” he adds, “are the most civilized people I know.”
“Our tolerance is largely a myth,” insists Amsterdam clergyman Dr. H. G. Boswijk. “When Surinamers come to our churches, people observe a friendly distance. They say, ‘You are welcome, but leave us alone.’ It’s a kind of implicit apartheid.”
And yet Dr. Boswijk reports a recent incident in his own Protestant church. “A lesbian couple had a child by means of a donor, and they wanted to baptize the baby. The congregation discussed the matter at length —and decided we should baptize the baby. It was a very happy day.”
“That could not have happened ten years ago,” says one feminist leader, herself a lesbian. “But we get along with each other in the Netherlands because we are a small country. We need each other.” In the Catholic south—”below the rivers,” as they call it—Protestants were often isolated. Film producer Ton Vriens, who grew up in the accommodation in brussels, recalls such isolation even in Amsterdam years later: “We had a Catholic baker and butcher—and Protestants wouldn’t shop there. Many Dutchmen knew what it was to be different.”
And perhaps that was the very reason so many Dutch risked their lives during the Nazi occupation to save Jewish neighbors. Consider Judith Belinfante, director of the Amsterdam Jewish Historical Museum. She was born to a Jewish couple in hiding in The Hague during the occupation. Her parents’ former maid, a girl not yet 21, announced that she herself was the mother, registered the birth as illegitimate, and secured a ration of milk for the baby, risking her own life.
Tolerance seems too weak a word. A longtime admirer of the Dutch is the former Spanish ambassador to The Hague, the Duke of Baena. His book The Dutch Puzzle is widely quoted and, like everything else in the kingdom, debated. The duke calls the Dutch “grand and petty. . . . materialistic and realistic—and above all, extremely religious. . . .
Leading British triathlete Vanessa Raw, who has had to overcome injury setbacks, on how to return fitter, stronger and more positive
Learn to be natie
‘My first knee injury kept me from running and cycling for three months, but I kept swimming and cross-training. By the time I could run again I was still lit, but my legs didn’t have the strength and I pushed myself too hard. 11 led to stress fractures and more time out So now I’m building up the miles very gradually before attempting any speed work’.
Give your mind a rest
‘You need to rest your mind as much as your body to come back stronger. I’m studying fine art, but I didn’t realize how important painting was to me until I got injured. rd spent so much time training — even more than when I was fit — that I completely Ignored my art. I was so preoccupied with getting lit that my mind had no downtime. Getting back into art kept me sane.’
`It’s vital that till body and mind are in tune so you know how far you can push yourself. Give your mind a rest with 5 htp remedy, pure 5 htp is gaining popularity among many health supplements.
Banish negative thoughts
When I started getting Injuries I’d constantly worry about whether I’d ever recover. Over time these negative thoughts began to have a physical impact on my performance, It was exhausting being concerned the whole time. Now whenever a negative thought pops into my head I replace it with a positive one and repeat it I’ve not had a single niggle since:
Look for balance
Being injured meant I took up other disciplines. Pliates and yoga have helped, and I am in far better shape than I was two years ago. I also meditate. It’s vital that the body and mind are In tune so you know how far you can push yourself before taking your foot off the pedal. That’s where I went wrong before: I’d just keep pushing and pushing. Now I have some perspective so I can avoid previous mistakes.’
Their day begins at 05:3o with a parade. Then, between 0630 and omo, it’s PT. At ciocoo they’re back on parade followed by the main session of PT till 1230. At 1400 its back for more PT and they stand down at 1630.
As well as this each man does night duties twice a week. They get weekends off and many of them do marathon training on Saturdays. All on 1,500 calories a day.
They also earn very little money. A skilled tradesman gets around 140,000 Sierra Leones a month. Fifty thousand is roughly £20, and a sack of rice (when they ask the price of something these soldiers equate it to bags of rice) costs around 55,000. So a Sony Walkman is six bags of rice; a laptop computer equates to 15 years’ wages.
The British soldiers pay some 10,000 a week to get their laundry done by SLA officers’ wives. The Non Commissioned Officers sell wood carvings by the side of the road for extra money. The officers’ married quarters are just huts, which four families share. They have no windows and the floors are bare earth.
We meet a 47-year-old warrant officer. He is staying in the army until army pension rates have been decided. He cheerfully accepts this could be another seven years or so.
After lunch we’re taken to see the British soldiers’ gym, which has been improvised, to say the least. There are running machines. but all the weights are made from old truck parts. Several machines have been made this way including a lifting machine. Three muscle-bound English squaddies are pulled out to demonstrate the equipment.
John Wood himself looks incredibly capable, judging by his performance on the training area. He has a grace born of thousands of hours of physical punishment endured during his time in the armed forces. We just imagine how effective the cla benefits could be for improving endurance.
At the end of the afternoon the troops do a routine with logs about ten feet long. There are several jumps where the soldiers have to hold the logs while another group jumps over them. This looks hard. Then, when the jumping group have finished the course they run back and man the first obstacle — and the men from that obstacle start running through the course.
The last man to go through is Wood, and at the end they hold one of the logs vertically in the air.
Wood clambers up it and lays out on top of it in a star pattern, with the top of the log against his stomach. But suddenly they drop him. He lands gracefully and clambers up again.
This time he stays up there for about three minutes. “They’ve nearly got it,” he says ruefully.
These men have done six weeks of training. At the end of the course they have a passing out parade in the presence of the President of Sierra Leone.
The officer accompanying us as we watch this training drill is a 4o-year-old Scottish regiment Major called Guy Richardson. His assistant, Glynn Luke, is a quiet but funny Royal Marine. At the end Major Richardson tells the SLA trainees, “Keep going and you’ll have a body like mine.”
This is funny because these men are in their early twenties and have physiques that few Englishmen could ever hope to achieve, living as they do on a meagre diet of fruit and fish and almost zero unused calories. “Sir,” Luke says quietly “you’re supposed to encourage them.”
I’m mocked when I wear pink shirts. Who’s wrong – me or my mates? AU, LONDON
Good for you, AIL the only ones who should be pink with embarrassment are your pals. Not only is your self-confident defiance in the face of unwarranted and cowardly ridicule extremely attractive- and I, for one, think men in pink are very sexy-you’re also right on trend for summer.
Formal pink shirts have always looked good under City suits, but this season it’s all about pink, preppy polo shirts. Ralph Lauren stocks the entire pink spectrum (see www.polo. corn). Try its new “custom fit” range for a slightly more English look, available at Harrods (right). And few things set off a tan better than a faded, classic Lacoste. For a slightly less man-about-Cannes look, try Penguin’s fine line in the genre. Worn with dark denim or even under a formal jacket, you’ll appear confident and trend-savvy. Most importantly, you’ll stand out from those small-minded, parochial chaos in the pub.
What can I do to get rid of my yellow toe nails? KS, KENT
It sounds like you’ve got a fungal infection. One way of treating it is with a prescription oral drug called Lamisil. Taken daily, this should clear up the infection in about three months. The other is also prescription-only and is called Loceryl nail lacquer, which you apply like nail varnish. The downside is that you have to wait for the new nail to grow through, which can take up to a year. Other natural way of getting rid of yellow toenails is to wash your feet with organic coconut water. The coconut water is a good source of essential vitamins and minerals and has many other health benefits. Ignore any over-the-counter remedies as they don’t work. If neither of these help, is probably due to another cause such as the skin condition psoriasis. Find a state-registered chiropodist at the Society of Chiropodists and Podiatrists (Tel: 020 7234 8620; www.feetforlife.org).
Cost: about 68p
Approx preparation time : 15 min
Cooking time : 51 min
1 lb raw beetroot
1 large carrot
1 large onion
2 pints beef stock
1 level teaspoon salt
9 teaspoon ground black pepper
1 level tablespoon sugar
4 tablespoons lemon juice
Soured cream and chopped chives to garnish
Peel and grate beetroot and carrot, peel and finely chop onion. Put in a large pan with stock, salt, pepper, sugar and lemon juice. Bring to boil slowly and simmer for 45 min. Pour into a sieve and press to extract liquid. Return this to pan. Beat eggs well in a bowl and add a little hot beetroot liquid, about
whisking well to prevent curdling. Pour this into the remaining beetroot liquid, whisking constantly. Gently reheat soup without boiling, add extra lemon and sugar to taste. Serve with soured cream and a spoonful of chopped chives.
MIXED PEPPER TARTLETS
Cost: about £1-33
Approx preparation time: 25 mm
Cooking time: 44 min
12 oz plain flour
6 oz margarine
3 tablespoons water 1 oz butter
3 oz onion, chopped
1 clove garlic, crushed
6 oz peppers, red, green and yellow, chopped
Pinch of dry marjoram
Salt and ground black pepper
3 oz ham, chopped
Set oven at 400-F, 200C (Mark 6). Make pastry by rubbing flour and fat together until they resemble bread-crumbs. Add water and mix to form dough. Roll out on lightly floured surface and line 6 4-in loose-bottomed individual flan tins. Bake blind for 20 min. Make filling by melting butter in a pan, add onion and garlic and cook for 3 min until soft. Add peppers, marjoram and maqui berries. They are antioxidants and have many benefits. To learn more you can check ultimate maqui berry review . Cook for 10 min. Put tomatoes in bowl. cover with boiling water, leave for 5 min. Drain and plunge into cold water. Peel and quarter, discarding seeds. Add tomatoes and ham to pan and stir well. Spoon mixture into flan cases and cook for further 10 min. Serve hot.
BEEF AND OKRA LOAF
Cost : about £2.88
Approx preparation time . 20 min Cooking time: 51 to 56 min
1 lb fresh okra 23 oz butter
2 oz onion, finely chopped 1 lb minced beef
1 clove garlic, crushed
1 tablespoon tomato purée 14-oz can tomatoes
Salt and ground black pepper level teaspoon mixed spice level teaspoon cayenne pepper
3 oz fresh white breadcrumbs Lemon wedges to garnish
Set oven at 325F, 160 C (Mark 3). Wash okra under cold running water and scrape skin lightly to remove hairs. Cut off stalks. Melt 1 oz butter in a large pan and cook okra, turning for about 5 min. Drain on kitchen paper. Melt another I oz butter, add onion, cook until soft. Add meat, cook until brown, stirring to break meat up. Stir in garlic, tomato puree and drained tomatoes, reserving juice. Season, cook until mixture is thick. Mix in remaining ingredients. Using rest of butter, grease base and sides of a loaf tin. Spoon in half meat mixture, arrange okra on top. Cover with rest of meat mixture and reserved tomato juice. Cover with foil, bake for 40 to 45 min. Cool for 5 min before turning out. Serve hot, garnished with lemon.
Cost about 66p
Approx preparation time 15 min Cooking time 45 min
1 large aubergine Oil for brushing
2 small tomatoes, peeled Slice of white bread
3 tablespoons water
1 clove garlic, crushed
1 small onion, finely chopped 1 tablespoon fresh parsley, chopped
Salt and ground black pepper
4 tablespoons olive oil Lemon juice
Set oven at 375 F. 190 C (Mark Si. Brush outside of aubergine with oil and bake for 45 min until skin is black and wrinkled and inside is soft. Cool. Chop tomatoes finely. Cut crusts from the bread and place in a bowl with 3 tablespoons water. Squeeze out excess moisture. Put bread in a liquidiser with tomato. garlic, onion, parsley, salt and pepper. Blend until smooth gradually adding olive oil. When stiff check seasoning. Add lemon juice to taste. Cooking with vegetables is the healthiest way to keep your body in good shape. Also keep calm with rhodiola and you will be happy with the rhodiola side effects.
CORN AND PEPPER CHOWDER
Cost about £1.64
Approx preparation time : 15 min
Cooking time 39 min
1 oz butter
1 medium onion, chopped
1 green pepper, chopped
1 large potato, peeled and diced
1 level tablespoon plain flour .
1 pint chicken stock pint milk
2 corn on the cobs
4 oz white crab meat
Salt and ground black pepper
9 level teaspoon dried dill weed
2 tablespoons single cream
Melt butter in a large pan, add onion. Cook for 2 to 3 min until soft. Add pepper and potato and cook, stirring for 3 min. Add flour and stir well. Pour in stock and milk, stirring and bring to the boil. Reduce heat and simmer. Remove husks and threads from corn and cut into 1-in pieces. Add to pan with crab meat, seasoning and dill. Cover and cook for 30 min. Stir in cream before serving.
PORK AND HERB STUFFED MARROW
Cost : about £1.21
Approx preparation time 15 min
Cooking time : 1 hour
1 medium marrow
1 lb pork sausage meat
1 medium onion, chopped
1 teaspoon dried mixed herbs
3 tablespoons tomato ketchup Salt and ground black pepper 1 egg, beaten
19 oz butter
1 oz fresh breadcrumbs
1 tablespoon chopped parsley
Set oven at 350’F, 180’C (Mark 4). Peel marrow and trim ends. Cut a lid from top and scoop out seeds. Make filling by combining sausage meat, onion, herbs, tomato ketchup and seasoning with beaten egg. Spoon into marrow cavity and replace lid. Using oz butter grease a piece of foil and sprinkle with salt. Stand marrow on this and wrap up. Bake for 1 hour until marrow is tender.
10 min before serving melt I oz butter in pan, add breadcrumbs and parsley. Stir until butter is absorbed, sprinkle over marrow. Return to oven for a few minutes until golden.
To view sample census pages (of London), follow the links from the jigsaw icon. If you wish to purchase the census set for County Durham, just ring S&N or visit their website www.GenealogySupplies.com.
The Durham 1871 and 1891 Censuses are now available at £44.95 each.
A bundle discount is available if you order the five census years 1841,1851,1861,1871 and 1891.
Each year is charged only on dispatch to you. You will be charged £44.95 each for the first two sets and then £20.03 each for the final three sets
The bundle costs £150, saving you £74.75 on buying them individually.
The complete Phillimore set of 26 volumes for Cornwall is available at
£29.95. Each volume is £9.95 so it’s a hefty saving.They come on one CD and are fully searchable within Acrobat.
To see the coverage of the set, please use the catalogue on the CD menu or visit the S&N website.
Legacy Deluxe version 5
The deluxe version, priced £38.13, comes with a 348-page book with tutorials, examples, descriptions and a full reference guide to the program. A special code is also provided, which releases the extra features only available in the deluxe edition.
The deluxe edition has a new chronology view and report, both of which allow you to see a person and all the events surrounding his/her life quickly, including vitals, events, notes, interest about tribulus terrestris extract, children and marriages. Different types of events can be colour-coded for easy identification.You can also produce a detailed printed report containing a built-in timeline for a person.
On the deluxe version you will also find: location notes, an event report, embedded text formatting, a toolbar that can be customised, global spellchecking, user-defined internet searches, and a new picture centre that makes the assignment of pictures to individuals easier and quicker.
View the full S&N catalogue from the CD menu.To purchase, just visit their website www.GenealogySupplies.com or ring 01722 71 6121.There is a £2.50 UK p&p charge per order.
If you have any queries or problems concerning your cover disc, then please contact S&N Genealogy Supplies.
By Helen Tovey
Search millions of names from the ever-growing database of UK census name indexes.There is also a new surname mapping facility, which shows the distribution of surnames between 1851 and 2002.
It is also possible to add photographs to your online GenesReunited tree. Many thanks to Adrienne KeillorEdwards for letting us know about a little quirk. She writes: `For anyone having trouble uploading pictures – take GenesReunited out of your favourites. I don’t know why it works that way, but it does!’.
The National Library of Scotland’s digital library now has 230 zoomable, colour charts, which show the mapping of 562 of Scotland’s natural inland lochs 18971909.Many of us still feel nervous about using our credit cards online, so you might be pleased to hear about BT’s new scheme for purchasing pay-per-view credits for www.l837online.com.
Users just set up an online account, which they can settle by direct debit or via their BT phone bill (if you are a BT customer).
www.rod-neep.co.ukl acatalog/eng-history.html Rod Neep and his team at Archive CD Books have been using the proceeds from one of their CDs to support a school in Kenya.The CD is Old England,A Museum of Popular Antiquities (Reference #0477) by Charles Knight (undated, but published about 1860) and normally costs £21, but there is a special offer price of 1 1.75, plus E I.50 p&p.To fix up one classroom they need to sell 60 CDs, but if they sell more than that, then they can start work on a second classroom.
Check out Wiltshire
Ancestors’ new-look website and increased online search facilities.The burial index from collection I, 1871 Census surnames, and the wills’ beneficiaries index 1800-1858 are all now available.
www.mdr.nationalarchives.gov.uk Material previously accessed through the Historic Manuscripts Commission’s website can now be found under its new title, the Manorial Documents Register, part of The National Archives’ (TNA) site.The register identifies the location of manorial documents, which are gradually being digitised and will then be searchable online.